I have very frequent migraines and I want to purchase life insurance. Will I end up paying high premiums?

There are a number of factors that identify how much you are going to pay for your premiums. Even though among those factors are illnesses, there are other factors and other things that insurers either shrug or nod at. For example, if you have migraines and if you are healthy and you don't smoke, you wont' have high premiums.

If a person who smokes, drinks, or has a more serious illness like cancer wants to sign up for life insurance, his premiums will be very high because he has a greater chance of dying. Keep in mind that life insurers will shrug at things such as attempted suicide or cancer. If you don't want to pay a lot for your premiums, even though you have migraines, consider these tips:

• Purchase life insurance before 40

• Try getting treatment from your doctor

• Explain to them that you are in good health

• If you smoke or drink, consider quitting

• Consider improving your health by having a better diet

• Consider improving your health by exercising

• Try consulting with a specialist to see how you can improve your medical condition

• Consult for what type of coverage you need

• Shop around for a better deal

• Try looking for a better price

• Ask family, friends and co-workers if they know where you can purchase a life insurance policy

• Consider quitting bad habits

• Overall, try improving your health

If the only thing that is in your way are migraines, call the life insurance company and let them know that you are healthy or say so in your life insurance form

Consult with a life insurance specialist

Try relaxing and taking a vacation (migraines are at times the results of stress)